M-KOPA is seeking a Data Analyst - Credit Eligibility to help drive our mission of building transformative lifetime financial partnerships with customers. You will directly impact millions of customers' access to credit by building underwriting frameworks and improving loan offers and eligibility criteria to drive growth while managing credit losses and margins.
What You'll Do
- Analyze M-KOPA's repayments data and other sources to continuously improve loan eligibility criteria while managing credit risk.
- Refine loan pricing based on credit analysis and customer behavior.
- Test new types of loans to understand customer demand and credit performance.
- Monitor credit performance to detect risk shifts and quantify margin impact.
- Test the predictiveness of new data sets for the purposes of eligibility criteria.
- Use Python, SQL, and other tools for data analysis to drive insights.
- Work with data scientists to leverage machine learning models as part of loan eligibility decisions.
What We're Looking For
- Several years in roles with significant analytical components.
- Strong statistical modeling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data.
- Fluency in Python, SQL, and other relevant tools for data analysis.
- Experience translating complex data insights into actionable business strategies.
- Ability to work cross-functionally with product, engineering, and commercial teams.
- Strong data communication skills — written, oral, and visual.
- Strong interpersonal and collaboration skills.
Nice to Have
- Experience in credit, underwriting, or lending analytics.
Technical Stack
- Python
- SQL
Team & Environment
You will be a member of a small team with big responsibility, working cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.
Benefits & Compensation
- Empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training.
- Support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.
Work Mode
This role operates on a hybrid work model.
M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.
